Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
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Top new-car loan rates
Showing 1261–1275 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
Model year 2021 or newer. Advertised APR 'as low as' 4.99% based on creditworthiness, term, and collateral. LTV up to 100% (excl. GAP).
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 8.99%
4.99% APR, up to 8.99%
Terms
Credit score 720+ qualifies for 4.99% APR; credit score less than 600 receives 8.99% APR. Rate discounts up to 1.25% available.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment per $1,000.00 is $16.88. Includes a 1.00% discount when eligible products and services are added.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Estimated payment per $1000 is $17.36.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 81 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.99%* (up to 42 months). Terms available up to 90 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 2 model years and newer.
Auto loan score 81 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.24%with conditions
4.99% APR, up to 13.24%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment is $18.88 - $22.89 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min).
Auto loan score 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.99% APR for terms up to 66 months on new auto loans. Loan terms available up to 84 months with limitations.
Auto loan score 81 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
2026, 2025, 2024
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Riverview Credit UnionVehicle Loans - 2026-2025 New / Under 7,000 Miles · up to 60 months
Credit union
4.99%APRas low asTerms
Vehicle model year 2026-2025 New / under 7,000 miles. Quoted APR is as low as.
Auto loan score 81 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Estimated payment $17.36 - $22.34 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Southwest Montana Community Federal Credit UnionNew Vehicles (2024-2026) · up to 60 months
Credit union
4.99%APRas low asTerms
Rates as low as
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
2024 and newer; 5 year term
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Vehicles: 2025 and 2026 up to 17,000 in mileage; Credit Rating A+.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost nationwide
2,911 banks and credit unions · checked Oct 22–25
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
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